First Cap is a resource for risks that have, for various reasons, found their way into the California FAIR Plan due to non-renewals or standard carriers exiting the California market. Using cutting-edge underwriting tools and software, First Cap is looking to identify good risks at lower premiums and delivering essential coverage to your clients at a competitive cost.
Dwelling Policies
Owner Occupied
Seasonal (Owner or Tenant Occupied)
Personal Property Coverage for Renters (H04)
Personal Property/Improvements and Alterations (H06)
Differentiation
Differences from the California FAIR Plan include:
Total limits offered up to $4 million
Offered as Primary or Excess coverage
Maintenance Credit for Older Homes
Target Risk
$400K to $2M Dwelling Replacement Cost
Standard dwelling and construction type
Urban or Suburban located
Geographically spaced and spread throughout California
